Retail Property Commercial Financing

Retail properties, strip centers, standalone buildings, mixed-use storefronts, NNN properties, and neighborhood shopping centers, present unique financing challenges that general lenders often handle poorly. At Commercial Capital Partners, we work with lenders who understand retail specifically, including how to underwrite tenancy, lease terms, and property income alongside the borrower’s own financial picture.

Whether you’re purchasing a property your business will occupy, acquiring an investment retail center, or refinancing an existing asset, we structure the transaction to fit your goals, not just the lender’s checklist.

Financing Options for Retail Properties

SBA 7(a) Loans are well-suited for owner-occupied retail, when your business occupies at least 51% of the building. With as little as 10% down and repayment terms up to 25 years, the SBA 7(a) allows retail business owners to purchase their location without tying up large amounts of capital.

SBA 504 Loans offer fixed, below-market interest rates for owner-occupied retail properties with long-term, fully amortizing terms. This program is particularly effective when predictable monthly costs are a priority.

Conventional Loans are the standard for investment retail, properties where tenants occupy the building rather than the owner. These loans are underwritten primarily on the property’s income performance and are available for single-tenant, multi-tenant, and NNN lease structures.

What We Finance

Strip centers and multi-tenant retail buildings. Single-tenant NNN properties. Owner-occupied retail storefronts. Mixed-use commercial buildings with retail on the ground floor. Retail purchases, refinances, and cash-out transactions

Serving Southern California and the Inland Empire

Our recent retail closings include a $2,500,000 conventional purchase of a retail strip in San Bernardino and an $850,000 refinance in Jurupa Valley. We work with retail property owners throughout the Inland Empire, Los Angeles, and Southern California. Call (909) 721-5915 to discuss your retail financing needs.